Asset Allocation Calculator

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Asset allocation for retirement savings involves balancing investments across stocks, bonds, and cash to manage risk and growth potential based on your time horizon and risk tolerance. Stocks typically offer higher long-term growth but come with greater volatility, making them suitable for younger investors with a longer time to recover from market downturns. Bonds provide more stability and income, acting as a buffer against stock market fluctuations, while cash ensures liquidity and preserves capital for short-term needs. As retirement approaches, shifting towards a more conservative mix—reducing stocks and increasing bonds and cash—can help protect savings while maintaining steady income.